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Windscreen cover

Find out how windscreen cover works and the best value way to insure your windscreen against damage

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Windscreen cover

Find out how windscreen cover works and the best value way to insure your windscreen against damage

What is windscreen cover?

You’re driving along and notice a tiny crack or chip in your windscreen. You may think to yourself that this isn't worth paying the excess on your car insurance policy to repair. 

  • if left untreated the chip could turn into a crack, eventually shattering the windscreen

  • having windscreen cover means you can get the chip repaired without having to spend any money

  • check whether you already have windscreen cover included on your car insurance

Do I need windscreen cover?

Windscreen damage is one of the most common issues dealt with by car insurance companies:

  • driving on busy streets, your windscreen might take the battering of one too many small stone chips

  • on a frosty morning, your windscreen might finally crack under the pressure from the heat in your car

  • even the smallest chips and cracks can eventually become much larger problems as they weaken the glass of your windscreen

Having a chipped windscreen repaired as soon as it appears can mean avoiding the expense of having to replace the entire windscreen altogether.

Does my car insurance include windscreen cover? 

Depending on your policy, standalone windscreen cover could be included as standard or it could be an extra you need to pay for. 

Make sure to read through your car insurance policy carefully to find out what your car insurance covers you against.

Is windscreen cover worth it?

On a comprehensive car insurance policy, at the very minimum your windscreen will be covered much like the way every other part of your car is covered. 

But you would still have to pay an excess:

  • if your windscreen is damaged and you want to get it repaired, you make a claim, pay the full excess and you will be able to get it fixed

  • but standard cover means even if you only have a minor chip you would still need to pay the full excess

  • windscreen cover is also not be included on a third party policy, as this type of policy does not cover damage to your vehicle

Why do I need windscreen cover insurance?

Windscreen damage is so common and often very easily fixed that making a claim and having to pay the full excess would probably be extremely bad value. 

It would also affect your car insurance’s no claims bonus discount. 

Many insurers offer specific windscreen cover as part of your car insurance policy. 

  • this means that you have a separate aspect to your car insurance specifically for your windscreen

  • this would normally cover the cost of any repairs and replacements needed to be made to your windscreen

  • you would still be expected to pay the excess for each claim

  • but this excess is much lower than the full excess you would need to pay for any standard car insurance claim

  • any claim made on a standalone windscreen cover should not have any impact on your no claims bonus

Do I pay an excess on my windscreen cover?

Not always. In some cases if you only need to repair a chip or small crack in the windscreen, the car insurance company may not even charge you an excess. 

  • the lower excess fee may only be applicable for a larger job or a full windscreen replacement

  • the amount of excess you get charged for making a claim on windscreen cover will vary with each car insurance company, but it could end up being more expensive if you don’t use an approved repairer

  • this is because many insurance companies have partnerships with approved repairers

  • always check with them first before getting it fixed, as they may put a limit on how much you can spend on repairs

Do I need to get my windscreen fixed?

You will also want to get it fixed as quickly as possible regardless of whether or not you have windscreen cover.

  • if you have cover and you delay and the windscreen crack gets bigger, your claim could be invalidated

  • this is because the car insurance company will be able to see that the damage could have been fixed for a lot cheaper if you simply made the claim earlier

  • if you don't have windscreen cover and the chip gets larger, chances are the windscreen might be beyond repair and you will have a larger bill trying to get it replaced

Windscreen cover and your MOT

Ultimately though, having a larger crack in your windscreen is dangerous, and could see you fail your MOT and even get you stopped by the police if deemed to be illegal.

Windscreen frost cover

You can buy covers to protect your windscreen from extremes of temperature, these are windscreen frost covers and can be bought from hardware or suppliers of car parts.

You can prevent heat extremes from cracking your windscreen by parking your car out of the sun as heat can cause the glass to expand.

Other benefits of windscreen insurance cover

Some windscreen cover policies also pay to repair your car's bodywork if any of the broken glass from the damaged windscreen has scratched the car or chipped off some of the paint, for example. 

Check if side windows and rear windows are covered in the policy too, as this could prove to be a good money saver later on should you need to make a claim on a smashed window outside of your standard car insurance policy.

How much does car windscreen cover costs?

Cover could end up costing you somewhere between £30 and £50 per year and you may only have to pay an excess of around £50 in the event you need to replace the windscreen.

How much do car windscreen repairs cost?

Getting windscreen cover as an add-on can be a great way to save money on car repairs, as without insurance can normally cost around £60 to £100 for the most minor chips plus any additional fees for call outs made out of standard office hours. 

  • The costs can quickly escalate if there are multiple chips or extensive damage to the windscreen. 

Windscreen cover and repairing a small crack

Most windscreen repair companies can repair your windscreen fairly easily and without charge if it's a small crack. 

  • the crack or chip should not be within 6cm of any edge of the glass

  • the crack or chip should be a maximum of 28mm at any point

  • unless it appears within the 30cm wide vertical band in front of the driver's view - in such cases the crack or chip should be no wider than 10mm

If you don't have windscreen cover, start comparing car insurance policies to see which ones do include it as standard, and see if you can get a better deal.

Get a car insurance quote

See a range of car insurance quotes in just a few minutes when you compare with Uswitch

How to save on car insurance 

If you decide to add windscreen cover to your car insurance you might want to look at things you can do to reduce the cost of your car insurance

These might include:

  • Having a black box fitted

  • Lowering your mileage

  • Parking in a private driveway or garage

  • Considering a multi-car insurance policy

  • Choosing a car from a low insurance group

Black box car insurance

Having a black box fitted means your driver behaviour is monitored. The telematics box reports on how you accelerate, brake and negotiate sharp bends as well as what time you drive and on what sorts of roads. 

The data is analysed, and if your scores are positive, your car insurance may be discounted over time.

Lowering mileage 

If you drive fewer miles in a year this could result in a lower car insurance premium.

Parking in a private driveway

Parking in a private driveway or garage can also attract a discount. Car insurers may take into account where you park, depending where you live.

A multi car insurance policy

If your driveway is cluttered with cars, you may want to consider a multi car insurance policy

Choosing a car from a lower insurance group

The lower the value of the car and the cheaper it is repair, the less car insurance you may have to pay. 

Get a car insurance quote

See a range of car insurance quotes in just a few minutes when you compare with Uswitch